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| Cherry Hill | | Healthy people have the best | | Deductible: The portion of an insured |
| Westbury | | mortality risks and thus are much | | loss to be borne by the insured |
| Tallahassee | | cheaper for companies to insure. This | | before he is entitled to recovery from |
| Rockford | | translates into lower rates for the | | the insurer. |
| Springfield | | Super Preferred customer than | | |
| Raleigh | | someone with higher risk factors such | | Losses Outstanding: A summary |
| St. Paul | | as a heart condition, cancer or | | statement prepared by Property, Life, |
| Durham | | diabetes. Conversely, if you were | | and Liability insurers showing claims |
| Newport News | | unhealthy when you acquired your | | not yet settled. |
| Mansfield | | policy, and your health has now | | |
| Williamsport | | improved, it might be time to shop for | | Approved Roof: A term used in |
| Metairie | | a new policy, as your rates are likely | | building construction. It indicates a |
| Livonia | | to be lower. | | roof made of fire-resistive materials, |
| Nashville | | | | such as tile or asphalt shingles. |
| Fayetteville | | While some companies raise their | | |
| Warwick | | prices based on your actual age, | | Agency Contract (or Agreement): The |
| Overland Park | | most companies increase the price of | | document which establishes the legal |
| Memphis | | their policies six months before your | | relationship between an agent and an |
| Baton Rouge | | birthday. Its a term called Age | | insurer. |
| Canton | | Nearest in the industry, and that | | |
| New York | | half-year price increase could really | | Net Retention: The amount of |
| Zanesville | | add up over a 20-year term policy. As | | insurance that a ceding company |
| Lake Worth | | above, the quicker you purchase your | | keeps for its own account and does |
| Waco | | policy the better. | | not reinsure. |
